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Pengaruh Suku Bunga Terhadap Bagi Hasil Deposito Mudharabah Dengan Mediasi Return On Asset (ROA) Muhammad Arief; Rika Lidyah; M Iqbal
I-Finance Journal Vol 7 No 1 (2021): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v7i1.8406

Abstract

This study aims to determine the effect of the Interest Rate on the profit-sharing of Mudharabah deposits with Return On Asset (ROA) as mediation at Sharia Banks in Indonesia in 2014-2018. This research uses quantitative methods. The type of data in this study is secondary data. Data collection techniques using documentation techniques. The sample selection tested in this study uses a purposive sampling method. The sample used is the quarterly financial statements in 2014-2018 at 3 Islamic commercial banks in Indonesia. In this study data analysis techniques using the SPSS 21 application. The results of this study indicate that interest rates have a positive and significant effect on the profit-sharing of Mudharabah deposits and interest rates also have a negative and significant effect on return on assets (ROA). Return On Assets (ROA) has a negative and significant effect on the profit-sharing of Mudharabah deposits. While interest rates have a positive and significant effect on the profit-sharing of Mudharabah deposits with Return On Asset (ROA) as mediation
MENAKAR KEMASLAHATAN REKSADANA SYARIAH DALAM PERSPEKTIF MAQASHID SYARIAH M Iqbal; Faisal Muttaqin; Fatimatuz Zuhro; Rachmania Rachmania
I-ECONOMICS: A Research Journal on Islamic Economics Vol 6 No 2 (2020): I-ECONOMIC: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v6i2.7248

Abstract

Benefit is the main indicator for Islamic economic principles. In developing sharia-based financial institutions, all companies are competing to provide their best products based on the benefit for the mankind. An investment is a way for the people to get their benefits for living. The objective of investment is two-way relationship between the investor and the company. For another side, the investment is a financial management that teaches people to prepare for a better future, on the other side the investment helps financial institutions to obtain capital in developing Islamic financial institution products so that They can make a real contribution for the national development. This research tries to analyze the phenomenon of the Islamic capital market before and during the pandemic of Covid-19, by measuring the benefits of sharia mutual funds in the perspective of maqashid sharia which aims to protect religion, maintain reason, protect the soul, protect offspring, and protect property with literacy about the benefit for the mutual funds of sharia, hopefully this study will be an alternative and solution for the people to invest in order to achieve the highest achievement (falah) in the world and the here after.
PENGARUH PEMANFAATAN TEKNOLOGI INFORMASI DAN KESESUAIAN TUGAS TERHADAP KINERJA INDIVIDUAL KARYAWAN (STUDI KASUS BRI SYARIAH KC PALEMBANG) M Iqbal; Rinol Sumantri; Puspa Aulia Apri Yanti; Faisal Muttaqin
JURNAL AGHNIYA Vol 3, No 2 (2020)
Publisher : STIESNU Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk menguji pengaruh pemanfaatan teknologi informasi dan kesesuaian tugas terhadap kinerja individual karyawan. Populasi dalam penelitian ini adalah karyawan Bank BRI Syariah Kantor Cabang Palembang dengan menggunakan teknik sampling jenuh. Metode dari penelitian ini menggunakan metode penelitian kuantitatif dengan menggunakan data primer. kuantitatifadengan menggunakan moder regresi liner berganda, pengelolaan data kuesioner yang digunakan dengan bantuan program SPSS Versi 22.Hasil uji persial (Uji T) menunjukan bahwa pemanfaatan teknologi infromasi (X1) 0,003 < 0,05, nilai t hitung 3,173 > t tabel 2,02809 artinya pemanfaatan teknologi informasi berpengaruh positif dan signifikan terhadap kinerja individual (Y), nilai signifikan kesesuaian tugas (X2) 0,009 < 0,055, nilai t hitung 2,761 > t tabel 2,02809 artinya berpengaruh secara positif dan signifikan terhadap kinerja individual (Y). Kata kunci : Pemanfaatan Teknologi Informasi, Kesesuaian Tugas, Kinerja Individual
POLA HUBUNGAN POLITIK DAN HUKUM DALAM KEBIJAKAN PERPINDAHAN IBU KOTA NEGARA KE KALIMANTAN TIMUR Irhammudin; M. Iqbal; Dedi Setiawan; Reza Praditya Pradana
Journal Evidence Of Law Vol. 1 No. 1 (2022): Journal Evidence Of Law
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (338.107 KB) | DOI: 10.59066/jel.v1i1.10

Abstract

All countries need a system of government to regulate the wheels of government. Indonesia as a democratic country that adheres to a presidential system, applies the Trias Politica concept as an effort to separate power into three branches, namely executive, legislative and judicial. The 1945 Constitution implicitly supports this concept by explaining each task and authority of the branch of power in different articles. The duties and authorities of the President as an executive body are regulated in Article 4 paragraph 1, Article 5 paragraph 2, and Article 20 paragraph 4. The DPR as a legislative body is clearly regulated in Articles 19 to 22. While the Supreme Court and the Constitutional Court as judicial branches are regulated in Article 24. This paper tries to unravel the pattern of political and legal relations in the policy of moving the State Capital from DKI Jakarta Province to East Kalimantan Province. The President as the executor of the Act certainly needs support from the DPR as the legislator in order to realize the implementation of the transfer of the new state capital. This is important because the stipulation and implementation of laws is supervised by the Supreme Court and the Constitutional Court as judicial institutions. The hope is that the administration of government can run according to the laws and regulations and the stability of the country is maintained This is important because the stipulation and implementation of laws is supervised by the Supreme Court and the Constitutional Court as judicial institutions. The hope is that the administration of government can run according to the laws and regulations and the stability of the country is maintained This is important because the stipulation and implementation of laws is supervised by the Supreme Court and the Constitutional Court as judicial institutions. The hope is that the administration of government can run according to the laws and regulations and the stability of the country is maintained.
KONSEP DIYAT SEBAGAI SOLUSI KESEJAHTERAAN KELUARGA KORBAN PEMBUNUHAN DAYA PAKSA (OVERMACHT) PERSPEKTIF MAQASHID SYARIAH M Iqbal
IBLAM LAW REVIEW Vol. 1 No. 3 (2021): IBLAM LAW REVIEW
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM IBLAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (585.816 KB) | DOI: 10.52249/ilr.v1i3.28

Abstract

In discussing criminal liability, we will talk about the perpetrator of a criminal act, namely someone who has committed an act that is expressly prohibited and threatened with criminality by law, ideally that person should be convicted or punished. Likewise, the perpetrators of murder are threatened with imprisonment in accordance with the provisions of the Criminal Code. However, the perpetrators of criminal acts are not always punished because the Criminal Code provides several reasons that can erase a person's guilt so that they are free from all punishments. One of them is coercive power which is regulated in Article 48 of the Criminal Code. However, the problem is that there is no formulation of coercion in the Criminal Code so that judges in deciding cases of murder due to coercion are only based on the judge's considerations and beliefs. Islamic law in comparing the existing arrangements in the Criminal Code is because Islam prioritizes protection and compensation charged to the perpetrator against the family of the murder victim, both intentional and unintentional murder. Meanwhile, the existing criminal policies in the Criminal Code have not met the principles of legal certainty and a sense of justice in society. The concept of Diyat is a welfare solution for the families of victims of murder by force, because this sanction provides benefits that can have an impact on the future. This is what is called maqshid sharia, where the law was created aiming to maintain 5 things, namely religion, reason, soul, lineage, and treasure. And the concept of diyat at least maintains 2 things, namely descent and treasure.
Hak-Hak Mitra Pembiayaan Murabahah di Bank Syariah Muhammad Iqbal
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 5 No 1 (2019): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 201
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (188.354 KB) | DOI: 10.36908/isbank.v5i1.66

Abstract

The purpose of this research is to learn how to carry out murabaha financing in Islamic banks and what are the rights and obligations of murabaha financing partners. Murabaha as a form of buying and selling mandate asks sellers and buyers to get to know each other and accept each other's bright buying objects, the agreed price, the desired margin, and the method of payment. Related to the price requested is the cost of goods and the cost of procurement in accordance with the price requested by the bank as the seller. While an explanation of the rights of murabaha financing partners is important it will not happen in the future. Bank Officers are required to be able to refute the theories of sharia contracts contained in the muamalah fiqh to avoid oversight in practice in Islamic banks. Because in reality, the average employee of a sharia bank has no Islamic economic background.
Pengaruh Employee Engagement, Job Design, dan Organizational Culture terhadap Kinerja Karyawan Bank Syariah Indonesia KC Palembang Demang Dila Khairunnisa; Ulil Amri; Muhammad Iqbal
Indonesian Journal of Behavioral Studies Vol 1 No 4 (2021): Indonesian Journal of Behavioral Studies
Publisher : Fakultas Psikologi, Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (417.352 KB) | DOI: 10.19109/ijobs.v1i4.10695

Abstract

This study aims to determine whether there is a relationship between employee engagement, job design, and organizational culture on the performance of employees of Bank Syariah Indonesia KC Palembang Demang. This study uses quantitative methods. The population is 60 employeesby using non-probability sampling, meaning that all employees have the same opportunity to be selected as samples. Based on the results of the study, it was concluded that 1) Employee engagement positive and significant effect on employee performance, as evidenced by the results of the t-test of 3.383, which is greater than t-table of 2.003 with a significance of 0.001 and a regression coefficient of 0.459. This shows that the higher the employee engagement, the higher the resulting performance. 2) Job design positive and significant effect on employee performance, as evidenced by the results of the t-test 2.114 which is greater than t-table 2.004 with a significance of 0.038 and a regression coefficient of 0.379. This shows that the higher the employee's job design value, the higher the resulting performance. 3) Organizational culture positive and significant effect on employee performance, as evidenced by tcount 2.463 which is greater than ttable 2.003 with a significance of 0.016 and a regression coefficient of 0.563. This shows that the better the organizational culture in an organization, the better the resulting performance.
Rekonstruksi Konsep Bisnis Halalan Thayyiban Penguatan Integrasi-Interkoneksi Ekosistem Halal Value Chain Muhamad Rahman Bayumi; M. Iqbal; M. Junestrada Diem; Muhlis
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 6 No 2 (2022): Oktober
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i2.28543

Abstract

The progress of the Halal Value Chain (HVC) ecosystem cannot be separated from the role of the government and other formal and informal institutions. In the HVC ecosystem, every organization/institution plays an important role in creating a halalan thayyiban business industry zone. One of the ways to promote halalization in supporting economic progress is to implement it through strengthening the Halal Value Chain in the economy. The purpose of this paper is to offer a reconstruction of the Halalan Thayiban business concept by strengthening the integration and interconnection of each subject in the HVC ecosystem. Using a descriptive qualitative approach, it is hoped that it will provide an overview of the concept of advancing a real HVC ecosystem. The results of this analysis will provide a long-term picture of the importance of promoting and accelerating HVC in terms of quality, not quantity. This study will discuss the reconstruction of the halalan thayyiban business concept and the importance of initiating an economic industry based on Islamic business ethics. By providing an overview and analysis of HVC acceleration efforts, it is hoped that this research will be oriented toward building the long term economy. Keywords: Reconstruction, Halalan Thayyiban, Integration and Interconnection, Islamic Business Ethics
IMPLEMENTATION OF DSN-MUI FATWA ON SHARIA INSURANCE PRODUCTS AT PT. ASURANSI TAKAFUL PALEMBANG BRANCH Ulil Amri; Anggita Dwi Hanum; M Iqbal
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 2 (2022): Juli - Desember 2022
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (502.623 KB) | DOI: 10.15548/jebi.v7i2.267

Abstract

Insurance problems do not only stop at transactions, but also at investments. Most of the insurance purchased by the public is actually insurance that contains maysir, gharar, and usury. This means that the money received from the investment received by the customer is also not maintained as halal. It is different from investing in Sharia insurance because there is a Sharia Supervisory Board which ensures that all insurance mechanisms and investment allocations do not conflict with Sharia law. Sharia Insurance Companies are entrusted by the participants to manage premiums, develop in a lawful way, provide compensation to those who experience disasters according to the contents of the agreed agreement deed, based on the characteristics of takafuli, tabarru and mudharabah.This study aims to analyze how the implementation of the DSN-MUI fatwa regarding general guidelines for sharia insurance at PT Asuransu Takaful.This study uses a Qualitative Approach that is related to phenomena that refer to the actions of economic actors, namely humans who act around economic phenomena as well as in consumption, production and distribution with all kinds of transaction derivatives and their interactions. The research results show thattabarru funds that has been collected is managed by the company on the basis of wakalah through insurance invested in various sharia investment instruments so that the funds are more productive. The results of the tabarru' investment are actually purely the rights of the participants, while the insurance company can obtain profit sharing from the investment through a tijarah contract. Companies can also benefit from wakalah bil ujrah contracts. This is in accordance with the DSN MUI fatwa No.DSN-MUI No.21/DSN-MUI/X of 2001 concerning General Guidelines for Sharia Insurance
ACCELERATION OF FINANCIAL TECHNOLOGY GROWTH IN ISLAMIC BANKS AS AN EXISTENCE EFFORT TO FACE THE PANDEMIC OF COVID-19 M IQBAL; RINOL SUMANTRI; RATIH KHOIRUNNISA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 2 (2022): Juli - Desember 2022
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (216.956 KB) | DOI: 10.15548/al-masraf.v7i2.251

Abstract

Financial Technology or what is familiarly called fintech is a platform that combines technology and finance into a technology-based financial business that makes it easier for customers so that there is no need for face-to-face transactions. Financial technology is currently trending in Indonesia, especially after the peak of the COVID-19 pandemic that occurred throughout 2020-2021, not only in banking but has begun to spread stand-alone financial technology in terms of payments and peer to peer landing. All technology-based financial institutions compete with each other, Islamic banking institutions in Indonesia, marked by the merger of three Islamic banks into one big force, namely Bank Syariah Indonesia which has optimized digital-based products to maximize the profitability of their companies. The purpose of this study is to find out the tips of Islamic Banking, especially Indonesian Islamic Banks in maximizing the profitability of their companies with fintech.